I will tell you again; There is
NO guarantee whatsoever in this job. You seem to really be hung on the thought that Integrated will give you a job, and modular will "ruin your life". Well, maybe that would be true,
IF there were jobs to start with!
Just google all pilot recruiting agencies and you will find that for one job offer in EU, there are about 10 in Asia. But those concern ONLY EXPERIENCED pilots, meaning Captains and Senior first officers, and who usually are already rated and proficient on type. You need to come back to reality. Just because you are 30 and you paid your dues as a navigator doesn't mean the red carpet will be rolled out for you as a pilot! In that case, if I were 45, and had been selling Mercedes cars all my life, I could just come and request a Captain seat on the 737 because I have experience in life.
You need to understand that tens of thousands of men and women have the same aspiration that you have, but not everybody gets to the cockpit of an airliner. And some people are perfectly fine with that, whether they stay and fly bush in Caravans, carry out medical evacuation In Be-200, or even work corporate on Citations. Now you sound like you just want to be a pilot for the prestige, the money, you know BJS (Big Jet Syndrome) If you really like flying, you should be content with anything that is handed to you especially in the first years. Lots of us never even get a job!!
If I were you, I'd go 6 months to the US with those $42000, get my FAA licence; and work my up from there. Retirement for pilots is now at 65 so what's the rush anyway? Even if it takes you 10 years to work your way up to FO on a jet, by the time you are 40, you will have 25 years left to upgrade to Captain and fly even bigger jets. Trust me, there are chances you actually get bored, and decide to return to more conventional flying!
OR if you are really so impatient to fly that jet, do what those new wannabees do; After your training, you pay for your own type rating, then pay an airline to fly for them as a copilot for 500H. Should come out to about $150000 I believe, maybe more. Personnaly, even If I had the money, I wouldn't do it. Rather be paid as a King Air Captain all my life than pay an airline to work for them. But hey, it is your decision after all. I rest my case.